Product Details

Being your wisest global medical insurance choice, PallasHEALTH provides you with a wide range of options enabling you to choose a policy that best meets your comfort level and personal needs. You not only have four comprehensive coverage modules to choose from, you can also select your area of cover and a deductible option of your preference.

Core Module: Module I (Hospitalisation & Out-patient Surgery)

This module forms the base of all PallasHEALTH policies to ensure that all members enjoy extensive cover for hospital treatment and out-patient surgery. This includes cover for cancer and other chronic and acute conditions. Evacuation and Repatriation Services also come as standard with this module.

Full cover for hospitalisation and out-patient surgery, cancer and chronic conditions.

Emergency evacuation and repatriation up to US$500,000 per event

Second Opinion Services

Complications of Pregnancy included in core cover.

Pre-hospitalisation and Post-hospitalisation fully covered up to 30 days prior to and 90 days following confinement

Full cover for newborn children born after 12 months of cover, including congenital conditions and acute illnesses, except for conditions from electively induced births

Optional Modules

Enhance your core cover by adding any of the following optional modules.

Module II Out-Patient Benefits

Module III Maternity Benefit

Module IV Dental and Optical Benefits

Lifetime renewal

When you purchase a PallasHEALTH policy, we want you to become a customer for life. That’s why we offer a lifetime renewal guarantee.

Thus, no matter how large your claims may be during any policy year, you will always have the opportunity to renew your PallasHEALTH plan at prevailing rates. Unlike other insurance companies, we will not drop you as a customer due to your claims rate.

This also means that with PallasHEALTH you will have lifetime coverage, even for chronic conditions that require years of treatment.

Live anywhere

With PallasHEALTH, your medical insurance travels with you almost anywhere you go, whether it’s on holiday or a relocation move to another city or country. With most medical insurance policies, your coverage ends when you move from one locale to another. We don’t believe such restrictions meet the needs of today’s global citizens. So you can keep your PallasHEALTH medical insurance, even if you move halfway across the globe! (restrictions may apply in some jurisdictions)

International coverage

With a Worldwide PallasHEALTH plan, anywhere your travels take you, you are covered. Also, you may elect to have medical treatment in a country outside your place of residence. Unlike policies that are restricted to the country of origin, PallasHEALTH is a truly global plan.

Medical Second Opinions

Free written evaluations of diagnosis and course of treatment that are obtained from leading medical centers worldwide are available to you once per policy year for qualifying medical conditions. Pre-existing medical conditions are excluded. Receive your evaluation within 10 days of submitting all your relevant medical records and test results.

Pre-existing conditions

Your PallasHEALTH policy covers many pre-existing conditions, subject to prior disclosure and acceptance. We make every attempt to secure coverage of pre-existing conditions for you from the PallasHEALTH underwriters.

Once pre-existing conditions are approved, there are no waiting periods after joining before becoming eligible for coverage. And, usually no pre-insurance medical check-ups are required.

Online Services

You have secure access to your policy details at all times through www.globalhealthasia.com so you can check on your policy whenever it is most convenient for you. You can also use the Online Services to check the status of your claims and download useful documents and forms.

Module II (Out-patient Benefits)

You will also enjoy further out-patient coverage including Complementary Medicine benefits and a medical check up benefit.

Full cover for GP and Specialist consultations

Full cover for medicines and drugs

Medical check up, up to US$ 1,000 per year

Complementary medicine including Chinese medicine

Module III (Maternity Benefit)

Pre and post-natal and delivery up to US$15,000 per pregnancy

12 month waiting period

Selected deductible does not apply to this module

Maternity cover is only available to females aged between 19 and 45.

Module IV (Dental & Optical Benefits)

Minor dental treatment up to US$ 1,000 per year

Other dental treatment up to US$ 2,500 per year with 80% co-insurance

Prescription lenses/contact lenses & optical examinations up to US$300 per year

Selected deductible does not apply to this module

Annual Deductible

Select your annual deductible to change the style of your cover. The deductible applies only to Module I and Module II (if selected). Deductibles of Nil; US$500; US$1,500; US$5,000 are available.

Area of Cover

All plans cover you on a worldwide basis.Enjoy a premium saving by selecting an area of cover that excludes North America and the Caribbean.With a worldwide excluding North America and the Caribbean, you will still have protection for losses arising from Sudden Illness or Accidental Injury which occurs in North America and the Caribbean during the first 30 Travel Days up to US$50,000 of any Policy Year.

Out-patient Direct Billing Network

For policies without an annual deductible, enjoy out-patient direct billing access to over 2,000 medical providers in Hong Kong, China, Singapore, Vietnam, Thailand and the rest of Asia by simply showing your APRIL International member card.

Treatment by a psychologist or any treatment, care or test related in any way to self-inflicted injury, suicide or attempted suicide, deliberate exposure to exceptional danger except in an effort to save human life, abuse of alcohol, drugs and/or medicines, sleep disorders, learning difficulties, behavioural or developmental disorders.

Travel expenses incurred to obtain medical treatment other than in the course of an emergency medical evacuation we have approved in advance, or which has been approved by our appointed 24-hour emergency medical assistance centre.

Waiting periods apply to some dental benefits; maternity and complications of pregnancy; & the newborn benefit

Liberty International Insurance Limited (Hong Kong) and Liberty Insurance Pte Ltd are 100% owned subsidiaries of Liberty Mutual Group. Boston-based Liberty Mutual Group is the sixth-largest property and casualty insurer in the United States and the second-largest U.S.-based international property and casualty insurer. Founded in Boston in 1912, the Group has $120.1 billion in consolidated assets and $36.9 billion in consolidated revenue in 2012. The Company ranks 84th on the Fortune 500 list of largest corporations in the United States based on 2011 direct written premium.

Being your wisest global medical insurance choice, PallasHEALTH provides you with a wide range of options enabling you to choose a policy that best meets your comfort level and personal needs. You not only have four comprehensive coverage modules to choose from, you can also select your area of cover and a deductible option of your preference.

Core Module: Module I (Hospitalisation & Out-patient Surgery)

This module forms the base of all PallasHEALTH policies to ensure that all members enjoy extensive cover for hospital treatment and out-patient surgery. This includes cover for cancer and other chronic and acute conditions. Evacuation and Repatriation Services also come as standard with this module.

Full cover for hospitalisation and out-patient surgery, cancer and chronic conditions.

Emergency evacuation and repatriation up to US$500,000 per event

Second Opinion Services

Complications of Pregnancy included in core cover.

Pre-hospitalisation and Post-hospitalisation fully covered up to 30 days prior to and 90 days following confinement

Full cover for newborn children born after 12 months of cover, including congenital conditions and acute illnesses, except for conditions from electively induced births

Optional Modules

Enhance your core cover by adding any of the following optional modules.

Module II Out-Patient Benefits

Module III Maternity Benefit

Module IV Dental and Optical Benefits

Lifetime renewal

When you purchase a PallasHEALTH policy, we want you to become a customer for life. That’s why we offer a lifetime renewal guarantee.

Thus, no matter how large your claims may be during any policy year, you will always have the opportunity to renew your PallasHEALTH plan at prevailing rates. Unlike other insurance companies, we will not drop you as a customer due to your claims rate.

This also means that with PallasHEALTH you will have lifetime coverage, even for chronic conditions that require years of treatment.

Live anywhere

With PallasHEALTH, your medical insurance travels with you almost anywhere you go, whether it’s on holiday or a relocation move to another city or country. With most medical insurance policies, your coverage ends when you move from one locale to another. We don’t believe such restrictions meet the needs of today’s global citizens. So you can keep your PallasHEALTH medical insurance, even if you move halfway across the globe! (restrictions may apply in some jurisdictions)

International coverage

With a Worldwide PallasHEALTH plan, anywhere your travels take you, you are covered. Also, you may elect to have medical treatment in a country outside your place of residence. Unlike policies that are restricted to the country of origin, PallasHEALTH is a truly global plan.

Medical Second Opinions

Free written evaluations of diagnosis and course of treatment that are obtained from leading medical centers worldwide are available to you once per policy year for qualifying medical conditions. Pre-existing medical conditions are excluded. Receive your evaluation within 10 days of submitting all your relevant medical records and test results.

Pre-existing conditions

Your PallasHEALTH policy covers many pre-existing conditions, subject to prior disclosure and acceptance. We make every attempt to secure coverage of pre-existing conditions for you from the PallasHEALTH underwriters.

Once pre-existing conditions are approved, there are no waiting periods after joining before becoming eligible for coverage. And, usually no pre-insurance medical check-ups are required.

Online Services

You have secure access to your policy details at all times through www.globalhealthasia.com so you can check on your policy whenever it is most convenient for you. You can also use the Online Services to check the status of your claims and download useful documents and forms.

Enhance your cover by selecting any of the following options, in any combination that you wish.

Module II (Out-patient Benefits)

You will also enjoy further out-patient coverage including Complementary Medicine benefits and a medical check up benefit.

Full cover for GP and Specialist consultations

Full cover for medicines and drugs

Medical check up, up to US$ 1,000 per year

Complementary medicine including Chinese medicine

Module III (Maternity Benefit)

Pre and post-natal and delivery up to US$15,000 per pregnancy

12 month waiting period

Selected deductible does not apply to this module

Maternity cover is only available to females aged between 19 and 45.

Module IV (Dental & Optical Benefits)

Minor dental treatment up to US$ 1,000 per year

Other dental treatment up to US$ 2,500 per year with 80% co-insurance

Prescription lenses/contact lenses & optical examinations up to US$300 per year

Selected deductible does not apply to this module

Annual Deductible

Select your annual deductible to change the style of your cover. The deductible applies only to Module I and Module II (if selected). Deductibles of Nil; US$500; US$1,500; US$5,000 are available.

Area of Cover

All plans cover you on a worldwide basis.Enjoy a premium saving by selecting an area of cover that excludes North America and the Caribbean.With a worldwide excluding North America and the Caribbean, you will still have protection for losses arising from Sudden Illness or Accidental Injury which occurs in North America and the Caribbean during the first 30 Travel Days up to US$50,000 of any Policy Year.

Out-patient Direct Billing Network

For policies without an annual deductible, enjoy out-patient direct billing access to over 2,000 medical providers in Hong Kong, China, Singapore, Vietnam, Thailand and the rest of Asia by simply showing your APRIL International member card.

Here are some of the significant exclusions and limitations of the policy. Please refer to the Policy Terms and Conditions for the full list of exclusions and limitations.

Treatment by a psychologist or any treatment, care or test related in any way to self-inflicted injury, suicide or attempted suicide, deliberate exposure to exceptional danger except in an effort to save human life, abuse of alcohol, drugs and/or medicines, sleep disorders, learning difficulties, behavioural or developmental disorders.

Travel expenses incurred to obtain medical treatment other than in the course of an emergency medical evacuation we have approved in advance, or which has been approved by our appointed 24-hour emergency medical assistance centre.

Waiting periods apply to some dental benefits; maternity and complications of pregnancy; & the newborn benefit

APRIL International only partners with respected, well-known service providers who share its customer first philosophy.

Liberty International Insurance Limited (Hong Kong) and Liberty Insurance Pte Ltd are 100% owned subsidiaries of Liberty Mutual Group. Boston-based Liberty Mutual Group is the sixth-largest property and casualty insurer in the United States and the second-largest U.S.-based international property and casualty insurer. Founded in Boston in 1912, the Group has $120.1 billion in consolidated assets and $36.9 billion in consolidated revenue in 2012. The Company ranks 84th on the Fortune 500 list of largest corporations in the United States based on 2011 direct written premium.